Disclaimer: The Office of Financial Aid reserves the right
to reduce or cancel awards based on funding levels, changes in
enrollment, reduction of costs, or other events that may affect a
student's funding level and/or eligibility.

Your Next Steps

Step 1 Review all awards sent to you on your Award
Letter. Included with the Award Letter is financial aid
information about your program of study (tuition rate,
determination of credits in Award Letter, employment and more).

Step 2 Decide which aid you would like
to accept, and which you would like
to decline or reduce a
loan amount. If you accept all aid as
listed, do not return the Award Letter. However, if
you decline or reduce a
loan amount, note the changes on one Award Letter copy and return
it to the Office of Financial Aid.

Grants/scholarships are "free money" and do not need to be
repaid.

You would then want to accept the lowest interest rate loan
listed first, and continue accepting aid amounts until you have
taken out how much you think you will need for the period of time
showing on your Award Letter.

If you would like to borrow less in any specific loan program
than the amount indicated, make the change on the copy you send
back.

Sign, date and return the Award Letter copy with any changes to
the Office of Financial Aid.

Step 3 Complete all required loan paperwork based upon the aid
you accept as indicated below:

2. First-time recipients will be sent the Perkins Master
Promissory Note to sign and return to the Office of Financial
Services.

Billing

Initial bills for registered courses are mailed out
approximately two weeks prior to the start of a trimester. These
are labeled UNOFFICIAL as course modifications are still
possible.

You are responsible for submitting appropriate loan applications
and forms to the Office of Financial Aid as soon as possible. Loan
proceeds are scheduled to arrive at the beginning of each
trimester. Refunds are available from Office of Student Accounts
the second week of the trimester.

Payment Policy

Full payment for tuition, fees and on-campus housing or
satisfactory arrangements for payment must be made with Office of
Student Accounts by the first day of classes in any trimester.

Student Accounts

Satisfactory Academic Progress

The Higher Education Act (HEA) requires that a student maintain
satisfactory progress in the student's program of study to be
eligible to receive Title IV funds. Under the HEA and current
federal regulations, a school is required to periodically evaluate
if the student is successfully meeting both qualitative and
quantitative academic standards specified by the school. SAP
evaluations must occur at least as frequently as the end of each
academic year or halfway through the student's scheduled program
completion timeframe, whichever is less, and a student enrolled in
a program longer than two years must have at least a "C" average or
academic standing consistent with graduation requirements at the
end of the second year of the program.

A student's academic performance must be monitored if they are
receiving financial aid. If they do not meet certain
standards they lose their eligibility for federal financial
aid. One of these standards is a Grade Point Average
(qualitative measure), which measures for a minimal academic
performance, usually by looking at the student's grades or
cumulative grade point average (CGPA). The second standard is
the pace of progression (quantitative measure), which is how a
school measures to make certain a student is on track to complete
their degree in a reasonable amount of time. Because NUHS has
both undergraduate and graduate students, there are two SAP
policies.

Federal regulations mandate that a student's satisfactory
academic progress shall be measured a minimum of once per academic
year. It is NUHS's choice to evaluate progress at the
conclusion of each trimester.

Types of Financial Aid Covered by SAP

Federal Perkins Loan

Federal Stafford Direct Subsidized Loan

Federal Stafford Direct Unsubsidized Loan

Federal College Work Study

Federal Graduate PLUS Loan

University Scholarships

Pace - Course Work Completion
The student must successfully complete all required coursework,
student clinic, and the clinic internship program in no longer than
twice the standard program length.

Program

Standard Length

Maximum Pace Length

Doctor of Chiropractic

10 trimesters
(3 years, 1 trimester)

24 trimesters
(8 years)

Doctor of Naturopathic Medicine

10 trimesters
(3 years, 1 trimester)

24 trimesters
(8 years)

Master of Science in Acupuncture

7 trimesters
(2 years, 1 trimester)

14 trimesters
(4 years, 2 trimesters)

Master of Science in Oriental Medicine

9 trimesters
(3 years)

18 trimesters
(6 years)

Post-professional Masters

6 trimesters half-time
(2 years)

12 trimesters
(4 years)

The student must successfully complete 50% of all hours
attempted each trimester. Successful completion is indicated by
grades of A, B, C, D and S.

Hours attempted include grades of A, B, C, D, F, S, U, I, or
W.

Hours attempted include repeated courses.

Withdrawals will be included as attempted, except those dropped
within allowable add/drop period.

Any transferred hours for credit will be included in attempted
hours.

Students will be measured for course work completion at the end
of the each trimester.

GPA - Academic Standing A student must maintain a minimum CGPA (cumulative grade
point average) of 2.0 out of a 4.0 scale for each trimester of
enrollment. An overall GPA of at least a "C" (2.0) or its
equivalent, or academic standing consistent with graduation
requirements, must be achieved by the end of the second year for
students in programs greater than two years.

Incompletes will be calculated in the GPA.

Repetitions will be included in the GPA.

Financial Aid Warning - SAP A student who fails to meet either the 50% coursework
completion or 2.0 CGPA at the end of a trimester will be placed on
Financial Aid Warning.

A Financial Aid Warning letter will be sent indicating that the
student is eligible to receive one more trimester of aid only.

Included will be a statement that if SAP is not met in the
subsequent trimester (the trimster of Warning), no further federal
aid will be allowed until SAP is again achieved--except through
appeal.

The letter will include the instructions to appeal and the SAP Appeal Form.

Financial Aid Probation - SAP A student who does not meet either the 50% completion
requirement or reach a minimum 2.0 CGPA after the trimester on
Warning may appeal and, if the appeal is granted, will be placed on
Financial Aid Probation.

A Financial Aid Probation letter will be sent indicating that
the conditions outlined as a requirement of the successful appeal
must be met the end of the probationary period, or the indicated
timeframe.

Failure to meet these conditions in the timeframe specified
will result in loss of financial aid for subsequent
trimesters.

Appeals Students who feel there are extenuating circumstances to
their situation may appeal for reconsideration to have federal
financial aid re-established through submission of the SAP Appeal Form and
supporting documentation.

An appeal may be submitted for any of the following reasons:

the death of a relative,

an injury or illness of the student, or

other special circumstance.

In addition, the appeal must include:

an explanation of the reason(s) the student failed to maintain
SAP,

a statement of the student's personal plan of action, and

what has changed in the student's situation to enable the
student to demonstrate SAP at either: a) the end of the next
trimester, or b) at the end of a specified academic plan designed
by the academic department.

Students whose appeal is approved are placed on Financial Aid
Probation. Students whose federal aid has been reinstated
under the terms of an academic plan will be considered to be making
satisfactory progress as long as they continue to fulfill the
requirements of the academic plan.

Students who do not make SAP or fulfill the academic plan
requirements by the end of the academic remediation plan will lose
federal Title IV aid eligibility until SAP is again achieved.

The completed appeal is submitted to the Financial Aid Office
which will review the appeal in consultation with a representative
of the Committee on Academic Standards, Grades and Records and will
make a recommendation of action. The Director of Financial
Aid, Vice President for Business Services and the Academic Dean or
designee shall make the final determination of whether to reinstate
Title IV eligibility.